Welcome Guest ( Log In | Register )

Bump Topic Topic Closed RSS Feed
123 Pages « < 101 102 103 104 105 > » Bottom

Outline · [ Standard ] · Linear+

 Fixed Deposit Rates in Malaysia V5

views
     
bbgoat
post Mar 16 2014, 09:25 AM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
BCC still struggling with the PC ? Or Cha Cha whole Saturday night ?
BoomChaCha
post Mar 16 2014, 12:32 PM

Look at all my stars!!
*******
Senior Member
2,490 posts

Joined: Sep 2011
QUOTE(bbgoat @ Mar 7 2014, 01:45 PM)
You have to say :"I already have so much xxxk with BR, though this is <100k, but total will be ...."
or "I have plan to put in 7 figure sum......., so this is the beginning, .............."
tongue.gif
*
QUOTE(gchowyh @ Mar 14 2014, 12:11 PM)
Welcome back BCC!
Great, is 1 of the strategy to portray a higher amount as advised by Top Goat previously also tongue.gif
Yes, agree.
In my opinion, Top Goat can promise this to BR because he can control his own money; but we cannot assure other participating members will put in their certain money on time since all members have different FD maturity dates. But we will overcome all problems step by step la..

QUOTE(gchowyh @ Mar 14 2014, 12:11 PM)
Ya, guess will have to give it a miss though the rate is so high, 9%!
There are some fees, even on a monthly basis though but the final rate is still very attractive for ~100k
The main office is in Mid Valley, but they just opened an outlet near TTDI which was where I went.
But still don't feel comfortable putting money with them since no branches.  sweat.gif
*
I will probably visit their TTDI branch later... hmm.gif . Thank for the info
bbgoat
post Mar 16 2014, 01:02 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Mar 16 2014, 12:32 PM)
In my opinion, Top Goat can promise this to BR because he can control his own money; but we cannot assure other participating members will put in their certain money on time since all members have different FD maturity dates. But we will overcome all problems step by step la..
I will probably visit their TTDI branch later... hmm.gif . Thank for the info
*
Welcome back ! rclxms.gif

7 Figures Boom sure can do something to help us to get good rates ! tongue.gif

QUOTE(BoomChaCha @ Mar 16 2014, 12:32 PM)
.
I will probably visit their TTDI branch later... hmm.gif . Thank for the info
*
Let us know after your visit. nod.gif smile.gif
BoomChaCha
post Mar 16 2014, 01:26 PM

Look at all my stars!!
*******
Senior Member
2,490 posts

Joined: Sep 2011
QUOTE(bbgoat @ Mar 16 2014, 09:25 AM)
BCC still struggling with the PC ? Or Cha Cha whole Saturday night ?
*
Now figure out could be the HDD power connector problem... biggrin.gif

QUOTE(bbgoat @ Mar 16 2014, 01:02 PM)
Welcome back !  rclxms.gif
...... Boom sure can do something to help us to get good rates !  tongue.gif
You are the best man la.. thumbup.gif

QUOTE(bbgoat @ Mar 16 2014, 09:25 AM)
Let us know after your visit.  nod.gif  smile.gif
*
Yes, sure I will, if I go there la...

Members Recruitment for FD Group Deposit Campaign
Objective: To consolidate all members' funds to bargain for a better FD rate with the bank
Minimum FD deposit: RM 50K per member
Target total FD amount: 2.5 million or more
FD Tenure: Tentatively 1 year
Recruitment Deadline: 31 May 2014
No Obligation: Members can retreat anytime before we negotiate to the bank
Prohibition: Members who registered after March 2014 are not allowed to join this campaign

Disclaimer: No guarantee will success in this group FD plan

Participating Members

Members Ok without PIDM

bbgoat
HJebat
gchowyh
plumberly
tbheng
guy3288
helob
McFD2R
BoomChaCha

Members want PIDM
bearbear
munkeyflo
Nostalgia
MNet

Now we have 13 members, total RM 650K

This post has been edited by BoomChaCha: Mar 16 2014, 02:54 PM
wodenus
post Mar 16 2014, 02:24 PM

Tree Octopus
********
All Stars
14,990 posts

Joined: Jan 2003
QUOTE(gchowyh @ Mar 16 2014, 02:33 AM)
Definitely need to becareful with using the card..
But there are some good 50% promotions & free access to airport lounges for some cards.
*
50% promotions and free access to airport lounges is worth your life and the lives of your loved ones? tongue.gif
bbgoat
post Mar 16 2014, 03:43 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(BoomChaCha @ Mar 16 2014, 01:26 PM)
You are the best man la..  thumbup.gif

*
Ha ha ha, why remove 7 Figures ?? (...... Boom sure can do something to help us to get good rates !) hmm.gif hmm.gif

Not talking about 8 Figures, yet ! brows.gif brows.gif Then you will really need to be careful wherever you go ! brows.gif tongue.gif



Disclaimer: The above figures are referring to New Taiwan Dollars ! tongue.gif

This post has been edited by bbgoat: Mar 16 2014, 03:48 PM
sms2u
post Mar 16 2014, 03:46 PM

Look at all my stars!!
*******
Senior Member
3,283 posts

Joined: Dec 2013
QUOTE(RO Player @ Mar 15 2014, 08:41 PM)
didnt state in website..but you need to apply Aspire ..pls get the Aspire personnel to explain to you in detail. Their promo..like this...stated 31 Mac but now extended to 31 July.. rclxm9.gif
link here..

the % depends on how much you deposit. read my earlier 1 or 2 pages..brief condition.
*
Is that means the extention to jul 2014 only for aspire customer?
wodenus
post Mar 16 2014, 03:50 PM

Tree Octopus
********
All Stars
14,990 posts

Joined: Jan 2003
QUOTE(BoomChaCha @ Mar 16 2014, 01:26 PM)
Now figure out could be the HDD power connector problem...  biggrin.gif
You are the best man la..  thumbup.gif
Yes, sure I will, if I go there la...

Members Recruitment for FD Group Deposit Campaign
Objective: To consolidate all members' funds to bargain for a better FD rate with the bank
Minimum FD deposit: RM 50K per member
Target total FD amount: 2.5 million or more
FD Tenure: Tentatively 1 year
Recruitment Deadline: 31 May 2014
No Obligation: Members can retreat anytime before we negotiate to the bank
Prohibition: Members who registered after March 2014 are not allowed to join this campaign

Disclaimer: No guarantee will success in this group FD plan

Participating Members

Members Ok without PIDM

bbgoat
HJebat
gchowyh
plumberly
tbheng
guy3288
helob
McFD2R
BoomChaCha

Members want PIDM
bearbear
munkeyflo
Nostalgia
MNet

Now we have 13 members, total RM 650K
*
Suddenly if one member want to withdraw then how? and whose name will the FD be in, and how sure are we that he will not run away with the money?

This post has been edited by wodenus: Mar 16 2014, 03:51 PM
BoomChaCha
post Mar 16 2014, 04:02 PM

Look at all my stars!!
*******
Senior Member
2,490 posts

Joined: Sep 2011
QUOTE(bbgoat @ Mar 16 2014, 03:43 PM)
Ha ha ha, why remove ..Figures ?? (...... Boom sure can do something to help us to get good rates !) hmm.gif  hmm.gif
Not talking about .. Figures, yet !  brows.gif  brows.gif Then you will really need to be careful wherever you go !  brows.gif  tongue.gif
*
Ha..ha.. biggrin.gif .. no such thing ma..
I am afraid somebody will kidnap or rob a wrong person la..

Members Recruitment for FD Group Deposit Campaign
Objective: To consolidate all members' funds to bargain for a better FD rate with the bank
Minimum FD deposit: RM 50K per member
Target total FD amount: 2.5 million or more
FD Tenure: Tentatively 1 year
Recruitment Deadline: 31 May 2014
No Obligation: Members can retreat anytime before we negotiate to the bank
Prohibition: Members who registered after March 2014 are not allowed to join this campaign

Disclaimer: No guarantee will success in this group FD plan

Participating Members

Members Ok without PIDM

bbgoat
HJebat
gchowyh
plumberly
tbheng
guy3288
helob
McFD2R
BoomChaCha

Members want PIDM
bearbear
munkeyflo
Nostalgia
MNet

Now we have 13 members, total RM 650K

Plan (my brain storm only)
(1) Consolidate at least RM 1 million fund from all participating members.

(2) Appoint representative to negotiate with the bank.

(3) As suggested by Warrior HJebat, after bank says OK, then representative generates and PM confidential code (for bank to recognize members' identities purpose) to each participating member so that members can place their FDs at special rate by submitting the code to the bank. Each member will get one unique code only.

(4) Members can place FDs in their local bank branches.

Any suggestions are very welcome..Thank You.

This post has been edited by BoomChaCha: Mar 16 2014, 04:31 PM
BoomChaCha
post Mar 16 2014, 04:16 PM

Look at all my stars!!
*******
Senior Member
2,490 posts

Joined: Sep 2011
QUOTE(wodenus @ Mar 16 2014, 03:50 PM)
Suddenly if one member want to withdraw then how?
This is a good question.

If members suddenly want to cancel and not to participate before our representative talk to
the bank, this is absolutely fine, no problem at all.

Even after we talk to the bank, members want to cancel also can. No hard feeling la, we are
still buddies la.. biggrin.gif If first time cannot make it, then welcome to the second time loh.

We have to be flexible, because this is their own money, we have no right to force members to participate this plan.

Based on the number of participating members, we know roughly how much funds we can
consolidate.

QUOTE(wodenus @ Mar 16 2014, 03:50 PM)
and whose name will the FD be in, and how sure are we that he will not run away with the money?
*
Nobody will run away members' monies la. How to run? biggrin.gif

Each member will bring their own money/check to go to their desired local bank branch to place
FDs at special rate with their own names on their FD certs.

Your further questions are welcome.. thumbup.gif

This post has been edited by BoomChaCha: Mar 16 2014, 04:23 PM
wodenus
post Mar 16 2014, 04:25 PM

Tree Octopus
********
All Stars
14,990 posts

Joined: Jan 2003
QUOTE(BoomChaCha @ Mar 16 2014, 04:16 PM)
This is a good question.

If members suddenly want to cancel and not to participate before our representative talk to
the bank, this is absolutely fine, no problem at all.

Even after we talk to the bank, members want to cancel also can. No hard feeling la, we are
still buddies la..  biggrin.gif

Because this is their own money, we have no right to force members to participate this plan.

Based on the number of participating members, we know roughly how much funds we can
consolidate.
Nobody will run away members' monies la. How to run?  biggrin.gif

Each member will bring their own money/check to go to their desired local bank branch to place
FDs at special rate with their own names on their FD certs.

Your further questions are welcome..  thumbup.gif
*
Wait you mean as a group, we go there, but we each have separate accounts? if that's your plan then I am in (in the PIDM section) smile.gif if you can make the banks do this, that would be a cool thing smile.gif

This post has been edited by wodenus: Mar 16 2014, 04:30 PM
bbgoat
post Mar 16 2014, 04:54 PM

Look at all my stars!!
*******
Senior Member
6,614 posts

Joined: Mar 2011
QUOTE(wodenus @ Mar 16 2014, 04:25 PM)
Wait you mean as a group, we go there, but we each have separate accounts? if that's your plan then I am in (in the PIDM section) smile.gif if you can make the banks do this, that would be a cool thing smile.gif
*
Wa, no wonder can get into x Figures Boom (to avoid the x figures being removed by the real Boom) ! tongue.gif

Good salesman ! Got one more member ! notworthy.gif

This post has been edited by bbgoat: Mar 16 2014, 04:55 PM
BoomChaCha
post Mar 16 2014, 05:12 PM

Look at all my stars!!
*******
Senior Member
2,490 posts

Joined: Sep 2011
QUOTE(wodenus @ Mar 16 2014, 04:25 PM)
Wait you mean as a group, we go there, but we each have separate accounts? if that's your plan then I am in (in the PIDM section) smile.gif if you can make the banks do this, that would be a cool thing smile.gif
*
At first, we gather a big fund from all participating members.

With this big fund, we will appoint one representative to negotiate with the bank for a better FD rate.

Then each member will get a confidential unique code via PM, our representative will generate code for each member. We cannot disclose this code in forum, this is to prevent non-participating members
might jeopardize our plan.

We do not go to the bank together la.. biggrin.gif 13 members go together meh..?
Furthermore, all our members are from different places.

Just like normal FD, each member will have their own names on their FD certs.
Representative will PM us a unique code, we will use this code to get special rate
from the bank.

Cool or hot, sweet, spicy or sour, it is too early to tell lah... biggrin.gif
We just try hard to work it out to make it to become a reality.

We welcome our new member wodenus thumbup.gif

Members Recruitment for FD Group Deposit Campaign
Objective: To consolidate all members' funds to bargain for a better FD rate with the bank
Minimum FD deposit: RM 50K per member
Target total FD amount: 2.5 million or more
FD Tenure: Tentatively 1 year
Recruitment Deadline: 31 May 2014
No Obligation: Members can retreat anytime before we negotiate to the bank
Prohibition: Members who registered after March 2014 are not allowed to join this campaign

Disclaimer: No guarantee will success in this group FD plan

Participating Members

Members Ok without PIDM

bbgoat
HJebat
gchowyh
plumberly
tbheng
guy3288
helob
McFD2R
BoomChaCha

Members want PIDM
bearbear
munkeyflo
Nostalgia
MNet
wodenus

Now we have 14 members, total RM 700K

Plan (my brain storm only)
(1) Consolidate at least RM 1 million fund from all participating members.

(2) Appoint representative to negotiate with the bank.

(3) As suggested by Warrior HJebat, after bank says OK, then representative generates and PM confidential code (for bank to recognize members' identities purpose) to each participating member so that members can place their FDs at special rate by submitting the code to the bank. Each member will get one unique code only.

(4) Members can place FDs in their local bank branches.

Any suggestions are very welcome..Thank You.

besiegetank
post Mar 16 2014, 06:07 PM

Enthusiast
*****
Senior Member
918 posts

Joined: Aug 2009


QUOTE(BoomChaCha @ Mar 16 2014, 05:12 PM)
At first, we gather a big fund from all participating members.

With this big fund, we will appoint one representative to negotiate with the bank for a better FD rate.

Then each member will get a confidential unique code via PM, our representative will generate code for each member. We cannot disclose this code in forum, this is to prevent non-participating members
might jeopardize our plan.

We do not go to the bank together la.. biggrin.gif  13 members go together meh..?
Furthermore, all our members are from different places.

Just like normal FD, each member will have their own names on their FD certs.
Representative will PM us a unique code, we will use this code to get special rate
from the bank.

Cool or hot, sweet, spicy or sour, it is too early to tell lah...  biggrin.gif
We just try hard to work it out to make it to become a reality.

We welcome our new member wodenus  thumbup.gif

Members Recruitment for FD Group Deposit Campaign
Objective: To consolidate all members' funds to bargain for a better FD rate with the bank
Minimum FD deposit: RM 50K per member
Target total FD amount: 2.5 million or more
FD Tenure: Tentatively 1 year
Recruitment Deadline: 31 May 2014
No Obligation: Members can retreat anytime before we negotiate to the bank
Prohibition: Members who registered after March 2014 are not allowed to join this campaign

Disclaimer: No guarantee will success in this group FD plan

Participating Members

Members Ok without PIDM

bbgoat
HJebat
gchowyh
plumberly
tbheng
guy3288
helob
McFD2R
BoomChaCha

Members want PIDM
bearbear
munkeyflo
Nostalgia
MNet
wodenus

Now we have 14 members, total RM 700K

Plan (my brain storm only)
(1) Consolidate at least RM 1 million fund from all participating members.

(2) Appoint representative to negotiate with the bank.

(3) As suggested by Warrior HJebat, after bank says OK, then representative generates and PM confidential code (for bank to  recognize members' identities purpose) to each participating member so that members can place their FDs at special rate by submitting the code to the bank. Each member will get one unique code only.

(4) Members can place FDs in their local bank branches.

Any suggestions are very welcome..Thank You.
*
If joined this campaign is there a window of time to come up with the money that is 50k? I'm interested but my FD will only mature on middle of Jun sad.gif
wodenus
post Mar 16 2014, 07:38 PM

Tree Octopus
********
All Stars
14,990 posts

Joined: Jan 2003
QUOTE(gchowyh @ Mar 14 2014, 12:11 PM)
However, if you have PB, it was not too bad. Here are some of the benefits I experienced:
- free buffet at Concorde Hotel for participating in their customer experience feedback
- free meal from the RM, buffet at their PB centre
- I can sign & pre-approve transactions. If I am busy, I can just call her to authorize any transaction like withdrawal for UT
- I have gotten umbrella & food warmer for their FD promo
- PB gifts was Ceruti pen, diaries, notepad, leather baggage tag & wallet


Interest is low though tongue.gif

QUOTE(gchowyh @ Mar 14 2014, 12:11 PM)
Unfortunately, no special rate for FD even for PB.


PB Super FD

http://www.pbebank.com/en/en_content/perso.../pbsuperfd.html

But 80:20 is just nuts.

gchowyh
post Mar 16 2014, 09:04 PM

Enthusiast
*****
Senior Member
860 posts

Joined: Jan 2003
From: Petaling Jaya


QUOTE(BoomChaCha @ Mar 16 2014, 12:32 PM)
I will probably visit their TTDI branch later... hmm.gif . Thank for the info
*
Do be reminded is the outlet at menara glomac damansara kim, which is off jalan damansara


QUOTE(wodenus @ Mar 16 2014, 02:24 PM)
50% promotions and free access to airport lounges is worth your life and the lives of your loved ones? tongue.gif
*
Well, will keep that in mind as almost everyone who frequences the airport lounges have those cards.
Anyway, like Gen-X has been reviewing, use a credit card for its specific purposes. thumbup.gif


wodenus
post Mar 16 2014, 09:26 PM

Tree Octopus
********
All Stars
14,990 posts

Joined: Jan 2003
QUOTE(RO Player @ Mar 16 2014, 08:55 PM)
now Alliance having...

1% SC for RM100,000...

klibor type FD..gain ard 5 to 5.5% int, quarterly dividend..check out their branch..
*
Probably NID.. tongue.gif

munkeyflo
post Mar 16 2014, 11:46 PM

Blooop bloop bloop
Group Icon
Staff
2,797 posts

Joined: Nov 2007
From: On the beach


QUOTE(wodenus @ Mar 16 2014, 02:24 PM)
50% promotions and free access to airport lounges is worth your life and the lives of your loved ones? tongue.gif
*
Keeping a low profile is always good. biggrin.gif

QUOTE(RO Player @ Mar 16 2014, 08:43 PM)
2014..slow down...not making much money.. vmad.gif
i)inflation up...(food/elec/groc/etc)

ii) property sky high (still some ppl still paranoid buying senselessly.. doh.gif ), but govt measure slow down speculation. but company who does buying in bulk, maybe not curb..
iii) crazy developer selling inflated 700 to 1000/ft  vmad.gif , not yet included maintenance fees..(akin like buying mercedes, but cant pay for cost repair/eat maggi mee..)
iv) FD rates % are falling, bank tighten their loans..
v) GST taxes  vmad.gif
vi) jobless getting higher for certain industry..
vii) bank strict CC & spending..
viii)
ix)
x)
To counter this ...

i) Nego kawkaw your hard earn money thru FD..and getting gifts
ii) refunds of income tax rebates
iii) BT your CC without incur % from bank A to bank B
iv) work part time..if required.  cry.gif
v) thrifty and sensible spending
vi) cut unnecessary things/spending
vii)
To gain... financial freedom..

i) own house, if possible another house for rental all paid up
ii) 2 million and above, to get interests/dividen/etc to meet your monthly spending/consumption
iii) vehicle all paid up
iv)
*
Too bad most people these days want the 'lifestyle' and rather go in debt to live the 'lifestyle'.

You need to work part time meh tongue.gif

QUOTE(gchowyh @ Mar 16 2014, 09:04 PM)
Do be reminded is the outlet at menara glomac damansara kim, which is off jalan damansara
Well, will keep that in mind as almost everyone who frequences the airport lounges have those cards.
Anyway, like Gen-X has been reviewing, use a credit card for its specific purposes.  thumbup.gif
*
I was told by someone that soon we will be charged a higher tax or something if we have more than 1 credit card? Don't know how true is this.

This post has been edited by munkeyflo: Mar 16 2014, 11:47 PM
munkeyflo
post Mar 17 2014, 12:33 AM

Blooop bloop bloop
Group Icon
Staff
2,797 posts

Joined: Nov 2007
From: On the beach


QUOTE(RO Player @ Mar 17 2014, 12:26 AM)
nod.gif  need..later old...how to work anymore.. unsure.gif  now young work abit harder..then relax..holiday.. whistling.gif
*
Holiday thumbup.gif I wanna holiday my whole life. laugh.gif
wodenus
post Mar 17 2014, 10:42 AM

Tree Octopus
********
All Stars
14,990 posts

Joined: Jan 2003
QUOTE(munkeyflo @ Mar 16 2014, 11:46 PM)
I was told by someone that soon we will be charged a higher tax or something if we have more than 1 credit card? Don't know how true is this.


There is already a surcharge for people with more than one credit card smile.gif



123 Pages « < 101 102 103 104 105 > » Top
Topic ClosedOptions
 

Change to:
| Lo-Fi Version
0.0229sec    0.72    6 queries    GZIP Disabled
Time is now: 11th December 2025 - 01:53 PM